My daugher recently got a drivers license. Is it necessary to add her on my policy as another driver?I have al

Question

large unmbrella policy. if I add her my insurance will go up by $1,2000.

Answer 1

If she is a minor, yes. Minor's by law cannot enter into a binding contract, or her own insurance.

Answer 2

This is MY experience:

I added my daughter to MY policy. She had an (at fault) accident. Even though I was not in the car, and not even in the same COUNTY at the time. we were BOTH sued for half a million dollars.

Since I have several properties in my name, this was a great concern until the ins. co. settled it for a much lower amount.

I DID sweat for a time though. It could have turned into a MAJOR loss.

I advise you to get her on a policy of her own if possible.

Answer 3

Yes you should because if she gets insurance by herself it will likely be tripled the price.

Answer 4

It is if she shares a residence with you!

Answer 5

They'll be asking you at renewal

Answer 6

In New Jersey, the insurance companies get something from the DMV as people will usually get letters from the insurance companies as soon as a teenager gets a license, even if you haven't notified them. In your case, if you don't add her and she has an accident, it will cost allot more than the $1,200. They might not cover it.